Oh God! Just found out I'm pregnant

mrcow

rugbymum wrote: »

mrcow & jamespir
Seriously guys, handbags outside.
Stay on topic

I've already posted the advice on the DMP which was the actual question in hand. I won't post on this thread again as I'm in danger of letting an idiot drag me even further down to their level. I'll just leave it by saying that opinons are best left out of threads like these. James if you have opinons on pro life issues - then start your own thread in discussion time. Here is not the place. There are people reading these boards who are affected by what they read - think about that before you post. For some, life isn't as black and white as perhaps your simple world is.

If the OP calls their DMP company, they will advise what exactly needs to happen. Once the change of circumstances (Ie SMP) has actually occured, then the OP needs to contact them and re do their budget.

But they need to wait until their circuimstances have actually changed, or nothing will happen.

Obviously there is no obligations for the creditors to accept the revised budget - which is why it's best to work on those savings and back up plan.

Completely_Confused_2

Britwife wrote: »

Basically, just keep doing what you are doing hun. A new baby doesn't have to be expensive. See if you can get most of your baby gear from freecycle or carboots. If you are entitled to it, you may qualify for a £500 grant to buy things for baby. The money is paid directly into your account. You can only apply in the third trimester I think. There may be another scheme that is just under £200 for checkups or something like that.

Take the steps now to work on things in your marriage financially. Don't spend without talking to your husband and he needs to do the same, that way you're both aware of all the outgoings before it happens and stay away from anything unecessary. Make a list of what you need for the baby and buy one thing at a time. Look out for baby events at the supermarkets (I had a year's supply of pampers wipes and I haven't bought a pack of nappies in almost a year, and they are all pampers and huggies) Store brands can be just as good but in the sales, you just can't beat the price. Plan on breastfeeding your baby for at least a year and that will save a huge amount of money for formula and your baby will benefit tremendously. Not sure where you're at, but I have a moses basket with stand and great mattress and a baby bouncer that you're welcome to have if you are close enough. Also, I have a Silver Cross Ventura baby seat in excellent condition, has the headhugger with infant wedge and cold weather boot. We hardly used it because we hardly drive in our car. My baby is actually 16 months and still fits in it but we decided to upgrade to a BeSafe seat for her. Let me know, I'm in Leicestershire.
Edited to add that the seat is a car seat.

I know the baby wasn't planned but is still a wonderful blessing regardless of what was posted by a few members here. And one day this debt will be behind you and in the past, your family is your future and someone felt you and your husband would be ok with another baby.

Congrats

My goodness thank you so much, that was a lovely thing to say xx Can I PM you about your items?

DGJsaver

be aware of course that breastfeeding doesnt always work out and you MAY end up with the powedered milk costs on top.....build it into your DMP...

Britwife

CompletelyConfused, feel free to pm me.

I do agree that breastfeeding may not work out for all but if you know what to expect and have the support, the biggest hurdle is getting past the first 2 months. I BF my baby and I wish I had known what to expect, can't tell you how many nights I cried my eyes out in pain thinking my baby was a boobie monster. In the end, I kept going and I'm actually just getting ready to wean her last night feeding. It was the best choice I made for her.

On the other hand, I feel there is nothing wrong with formula, my first was formula fed and he's turned out ok, in his own weird way....lol so good to have a back up plan as DGJsaver suggested

DGJsaver

Just trying to make sure CC allows for it , hope BF does work , we tried but it just wouldnt happen for us !

jamespir

mrcow wrote: »

I've already posted the advice on the DMP which was the actual question in hand. I won't post on this thread again as I'm in danger of letting an idiot drag me even further down to their level. I'll just leave it by saying that opinons are best left out of threads like these. James if you have opinons on pro life issues - then start your own thread in discussion time. Here is not the place. There are people reading these boards who are affected by what they read - think about that before you post. For some, life isn't as black and white as perhaps your simple world is.

If the OP calls their DMP company, they will advise what exactly needs to happen. Once the change of circumstances (Ie SMP) has actually occured, then the OP needs to contact them and re do their budget.

But they need to wait until their circuimstances have actually changed, or nothing will happen.

Obviously there is no obligations for the creditors to accept the revised budget - which is why it's best to work on those savings and back up plan.

im not an idiot for starters you were the one who dragged yourself down with your im high and mighty rubbish

all i meant by my original comment was the op was acting like this was going to end her whole lie and some of the post's after seemed very much gearing to "terminating " the baby
and i was just trying to say that having a baby isnt necessarily a bad thing

then YOU got on the defensive

DGJsaver

Do turn it in for gods sake , are you 12 ?

InDeepDebt

Congratulations (?) on your news.

Question – are you currently working? What’s the maternity pay like with your employer? What is your income level; will you get child tax credits?

Looking at your signature, I’m assuming that you are working – you’ve set aside something like four years to get rid of a £37k debt – good going. Unfortunately, that target may now have to be moved – it’s not so much the costs as in nappies and formula (although they do add up), it’s the fact that your income has the potential to be severely hit or child care costs are going to go up.

So, to the OP, do you have a job at the moment and would not getting an income from that cause you a lot more hardship?

Good luck with it all. Your head must be spinning. And, don’t want to make things sound worse but what a gap to have between kids! At least the 12 year old will be able to babysit for you.

This thread has just proved to me that I really should have that plumbing operation done on me. :eek:

Jim

savingmummy

firstly the arguments here need to stop this is a lady asking for advise not wanting to read you two arguing over what you both disagree on!!!

Congratualtions on your pregnancy and goodluck. Hopefully you will find a lot of support and advise regarding your dmp and also help on finances. It really don`t have to be an expensive thing having a baby.
The only expense i noticed was milk really. I stopped take outs each week which paid for the milk, nappies and wipes.
I cooked our food for baby and also got clothing for free from other mums and ebay bundles.
Take care x

jamespir

:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

DGJsaver wrote: »

Do turn it in for gods sake , are you 12 ?